Re: from 501 to 689 in 12 mos.

Congratulations!

A 188-point increase in 12 months is the stuff that legends are made of! And it's a testament to your perseverance and dedication to the task. Rebuilding is a tough road sometimes but as you know, the reward is oh, so sweet!

Re: from 501 to 689 in 12 mos.

Thanks for the responses. I followed members recommendations here and started with 3 secured cards while I worked on my derogs. 2 things that every rebuilder should have is patience and persistance. Im sure I couldve hit 700's but I'd rather let that last derog fall off. No sense in poking something that is 7 years old. The best part other than getting collections deleted was finding out I was eligible for NFCU.

Re: from 501 to 689 in 12 mos. *UPDATE*

jordanmedical wrote:

for which card, root? Or did you get a cli?

They wouldnt unsecure my secured nrewards. Today Ive had it for a full year and they told me they no longer do it at the 12 month mark now instead they auto do it at the 13 month mark. I got the cli on my plat. card originally was 1k limit requested 5k instant approved over the phone

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.